Mosaic’s model is a hybrid, bringing new regional retail business directly to Lloyd’s via our global underwriting agency— effectively syndicating global capacity into local markets.

We provide lead-line capacity on all business we write, backing our underwriting capabilities while offering market distribution to our valued trade-capital partners. Our model gives carrier clients the security of spreading risk through syndication and specialty (non-nat cat) lines, plus a single contact for full claims-settling authority.

Mosaic is a hybrid specialty managing general underwriter (MGU with exceptional expertise, a focus on complex product lines, and an award-winning, digitized operating model. We underwrite for a consortia of trade clients alongside our own balance sheet via Lloyd’s Syndicate 1609, offering capacity and custom service across seven lines of business in seven countries.
Mosaic’s underwriters are respected for their deep knowledge, discerning risk selection, and trust-built relationships in the specialty sphere. Their expertise across regions and products sets us apart in challenging niche spheres.

We harness the heritage of Lloyd’s and benefit from the market’s global licenses and financial-strength ratings.


Our Name

Why Mosaic? Our name is a nod to the idea of diverse elements combining to create a harmonious whole. Our company brings together discerning underwriting, technology, and a broad range of experts—a collection of compelling parts. Mosaic leverages the unbeatable advantage of that makeup.




AM Best


Very strong

Standard & Poor's


Very strong

Fitch Ratings


Mosaic Bermuda Headquarters

Mosaic UK

Mosaic US

Mosaic Bermuda

Mosaic Asia

Mosaic Europe

Mosaic Canada

Mosaic Dubai

Mosaic Syndicate 1609

Third-Party Capacity

Transactional Liability


Political Risk

Political Violence

Financial Institutions

Professional Liability

Environmental Liability